🚀 How to Use Lwandle Finance Platform
Your complete guide to accessing loans quickly and managing your finances
📱 This guide is optimized for mobile users in South Africa
📋 Quick Navigation
🎯Getting Started
1. Creating Your Account
Visit: lwandlefinance.co.za
Click: "Apply Now" or "Get Started" button
Provide:
- Valid email address
- South African ID number
- Mobile phone number
- Create a secure password
💡 Tip: Use a strong password with numbers and symbols
2. Account Verification
Email Verification: Check your email for verification link
Phone Verification: You'll receive an OTP (One-Time Password)
Choose OTP Method:
- Email: More reliable, check spam folder
- SMS: Ensure your phone number has +27 format
✅ Your account will be verified within minutes
3. Complete Your Profile
Navigate to: Account → My Details
Click: "Complete My Profile" button
5-Step Process:
- Income Details: Monthly income (minimum R5,000)
- Expenses Breakdown: Your monthly expenses
- Salary Date: When you get paid (1-31)
- Banking Info: Account details for loan disbursement
- Documents: Upload required verification documents
🔐 All information is encrypted and secure
💰Applying for Loans
📋 Loan Requirements
✅ You Must Be:
- • 18-65 years old
- • South African citizen
- • Employed or self-employed
- • Earning minimum R5,000/month
💵 Loan Amounts:
- • Minimum: R1,000
- • Maximum: R5,000
- • Interest Rate: 23%
- • Typical Term: 30 days
📝 Application Process
Choose Loan Amount
Use the calculator to see total repayment amount
Review Loan Terms
Check fees, interest rate, and repayment date
Submit Application
Complete the application form
Credit Check & Approval
Usually takes 5-15 minutes
Receive Funds
Money deposited into your bank account
💳 Fee Structure
Example: R2,000 loan
- • Interest (23%): R460
- • Initiation Fee (1%): R20
- • Service Fee: R56.89
- • Transfer Cost: R55.00
- • Total Repayment: R2,591.89
⚙️Managing Your Account
📊 Dashboard Overview
Access: Account → Dashboard
View:
- Total Outstanding Amount
- Total Paid to Date
- Next Payment Due
- Payment Progress Bar
Tabs Available: Overview, Payments, History, Expenses
📄 Document Management
Navigate to: Account → Documents
Upload Types:
- ID Document (front and back)
- Proof of Income (payslip/bank statement)
- Proof of Address (utility bill)
- Bank Statement (recent 3 months)
📸 Tip: Take clear photos in good lighting
💰 Expense Tracking
Navigate to: Account → Expenses
Track Categories:
- Primary Income
- Bonus Income
- Other Income
- Rent
- Groceries
- Transport
- Utilities
Click: "Add Expense" to record new transactions
👤 Updating Your Profile
Navigate to: Account → My Details
Edit Mode: Click the edit button to modify information
Sections:
- Personal Information (name, phone, address)
- Employment Details (employer, position, income)
- Banking Information (account details)
Save: Click "Save Changes" when done
📱Mobile Features
🎯 Mobile-First Design
Our platform is optimized for Android devices popular in South Africa (minimum 360px width)
📱 Navigation Features:
- • Hamburger menu for easy access
- • Large touch targets (44-48px)
- • Swipe-friendly interface
- • Quick action buttons
⚡ Performance:
- • Fast loading on 3G/4G
- • Optimized for data usage
- • Offline-friendly features
- • Progressive web app capabilities
📷 Camera Features
- • Direct photo capture for documents
- • Auto-resize and compression
- • Multiple file format support
- • Gallery selection option
🔐 Security
- • Biometric login support
- • Auto-logout for security
- • Encrypted data transmission
- • Secure document storage
💬Get Support
💬Live Chat Support
🚀 Quick Support
Need help? Start a chat with our support team!
Response Time: 30 minutes to 1 hour
Required Information:
- Your full name
- Email address
- Brief description of your issue
💡 Tip: Have your account email ready when contacting support
📧Email Support
support@lwandlefinance.co.za
Response within 24 hours
⏰Support Hours
Monday - Friday: 8AM - 6PM
Saturday: 9AM - 2PM
SAST (South African Standard Time)
❓ Quick FAQ
How long does loan approval take?
Usually 5-15 minutes after submitting your application.
Can I apply from my mobile phone?
Yes! Our platform is fully mobile-optimized for Android and iOS devices.
What documents do I need?
ID document, proof of income, bank statement, and proof of address.
Is my information secure?
Yes, we use bank-grade encryption and comply with POPIA regulations.
🔧Troubleshooting
🚨 Common Issues & Solutions
❌ Login Problems
Issue: Can't receive OTP
Solutions:
- Check spam/junk folder for email OTP
- Ensure phone number has +27 format for SMS
- Try email delivery instead of SMS
- Wait 60 seconds before requesting new OTP
⚠️ Document Upload Issues
Issue: Files not displaying after upload
Solutions:
- Ensure file size is under 5MB
- Use JPG, PNG, or PDF formats
- Take photos in good lighting
- Refresh the page after upload
🔄 Application Status
Issue: Application stuck in review
Solutions:
- Check all required documents are uploaded
- Verify profile information is complete
- Contact support if waiting over 24 hours
- Check email for additional requirements
🌐 Browser Compatibility
For best experience, use latest Chrome or Firefox on mobile
🚀 Ready to Get Started?
Apply for your loan today and get funds deposited quickly into your account